One Way Travel Insurance

At Navigator Travel Insurance, we differentiate between one-way travel when you are emigrating, and one-way travel where you may be travelling on a one-way ticket, but intend to return home to the UK or EU.

The rules applied to policies for these two scenarios are very different.

If you are emigrating and do not intend to return home to the UK, your policy must usually end within 48 hours of arrival in your new home country. The idea of this is that you are then no longer travelling and you should seek private medical insurance, rather than travel insurance. Some of our policies offer a short extension to this 48 hour period, to give you time to settle in and make alternative arrangements, but generally speaking, you cannot continue to use travel insurance once you are in your final destination country.

If you are not emigrating, but have chosen to travel on a one-way ticket, either because you need flexibility in your route planning, or your intended return is too far ahead to book an airline ticket, we can cover you for longer periods. Many travel insurance policies state that you MUST hold a return ticket to come home during the insured period, otherwise your policy is invalid. We have a more flexible approach to this situation. We just state that, in order to purchase extended cover up to 18 months or possibly two years in some cases, you must “intend” to return home, i.e. you are NOT emigrating.

Please note that if you do not possess a return ticket, this can affect some types of claim. For instance, if you want to make a curtailment claim, cutting short your trip due to the illness or death of a close family member back home, you will find that you cannot claim the cost of a ticket home, as you would have had to buy one to get home anyway. This seems harsh in some ways, but that is how the curtailment cover on travel insurance works.